Retail Credit Reports

For Retailers and Service providers you can qualify your customers by pulling their Credit Report. This allows you to make an informed decision to require payment up front, set terms or deny them service based on their level of risk. Reports are available instantly 24/7 with our online portal.

Business to Consumer Credit Reports

Do you offer financing to your individual clients? Perhaps you offer Buy Here Pay Here plans. You can check the personal credit report of individual customers before you decide to accept payment plans or terms.
We use the Equifax credit repository that will include a Fair Isaac Company (FICO) Risk Score and shows you all of the person’s creditors, payment trends, collection accounts, Public Records and verifies their identity.

You will need to have Permissible Purpose under the Fair Credit Reporting Act and will need to be credentialed to have access to credit reports. Please contact our Marketing Executive at 800-717-4229 or

Please print and complete the Membership Agreement,
then Email or mail it to us…

CBY Systems, Inc.
33 South Duke Street
York, PA 17401